Land Banking & Site Acquisition
Strategic financing for land purchases and site acquisitions with future development potential. Secure prime sites and build your development pipeline.
Why Choose Our Land Banking Finance
Specialized financing solutions designed for strategic land acquisition and development pipeline building
Strategic Timing
Secure prime development sites before competitors while you prepare planning applications and development strategies.
Value Appreciation
Benefit from land value growth while obtaining approvals, with financing structured to maximize your investment returns.
Up to 65% LVR
Competitive loan-to-value ratios based on current value and future development potential assessment.
Location Expertise
Deep understanding of development potential across metropolitan and regional markets with local market insights.
Flexible Terms
Terms from 12-36 months with extension options, structured to align with your development timeline and strategy.
Pipeline Building
Build a strategic development pipeline with multiple sites, creating opportunities for future projects and partnerships.
Overview
Our Land Banking & Site Acquisition loans provide strategic financing for developers and investors looking to secure prime development sites. Whether you're building a development pipeline, waiting for market conditions to improve, or obtaining planning approvals, our financing solutions provide the capital you need with terms that align with your investment strategy.
We understand that successful development starts with securing the right sites at the right time. Our land banking finance allows you to act quickly on opportunities while providing the time needed to maximize the site's potential through planning, market timing, or strategic partnerships.
Key Features
- Loan amounts from $1M to $30M
- Terms ranging from 12 to 36 months
- LVR up to 65% based on current and future value
- Interest reserve facilities available
- No pre-development approvals required
- Consideration of development potential in valuations
Eligibility & Requirements
Borrower Requirements
- Experienced developers or property investors
- Clear development strategy and timeline
- Demonstrated financial capacity
- Acceptable credit history
Eligible Properties
- Residential development sites
- Commercial development opportunities
- Mixed-use development sites
- Properties with rezoning potential
- Strategic infill locations
- Urban renewal areas
Security Options
- First mortgage over the subject land
- Additional property security if required
- Personal guarantees from directors/borrowers
Success Stories
Real examples of how our land banking finance has helped clients secure strategic development opportunities
Strategic Acquisition
Loan Amount: $4.2M
Land Value: $6.5M
LVR: 65%
Term: 24 months
Challenge: Developer needed to secure a prime infill site in Brisbane's inner suburbs before competitors, with plans to obtain medium density approvals.
Solution: 24-month land banking facility allowing time to obtain planning approvals and pre-sales before transitioning to development finance.
Outcome: Secured DA approval for 28 townhouses, achieved 40% pre-sales, and successfully transitioned to construction finance with 25% profit margin.
Rezoning Opportunity
Loan Amount: $2.8M
Land Value: $5.2M (post-rezoning)
LVR: 55%
Term: 30 months
Challenge: Investor identified land with rezoning potential but needed financing to secure the site while navigating the council approval process.
Solution: 30-month facility with interest capitalisation, allowing time for rezoning application and market timing for optimal exit.
Outcome: Successfully rezoned from low to medium density, sold to major developer for $8.5M, achieving 180% return on initial investment.
Pipeline Building
Total Facilities: $12M
Sites Acquired: 4 properties
Average LVR: 60%
Terms: 18-36 months
Challenge: Established developer wanted to build a pipeline of development sites across Melbourne's growth corridors during a market downturn.
Solution: Multiple land banking facilities with staggered terms, allowing strategic acquisition of undervalued sites with development potential.
Outcome: Built 4-site development pipeline worth $45M, with 2 sites already transitioned to development and 2 held for future market recovery.
Understanding Land Banking Finance
Key concepts and strategies for successful land banking and site acquisition financing
Development Potential Assessment
Understanding how lenders evaluate future development potential, including zoning analysis, planning overlays, infrastructure access, and market demand. This assessment directly impacts your borrowing capacity and loan terms.
Strategic Timing
Optimal timing for land acquisition considering market cycles, planning policy changes, infrastructure development, and competition. Land banking allows you to secure sites during favorable conditions.
Exit Strategy Planning
Developing clear exit strategies including sale to developers, refinancing to development finance, joint venture partnerships, or proceeding to development. Multiple exit options strengthen your financing application.
Interest Capitalisation
Managing cash flow during the land banking period through interest capitalisation or reserve facilities. This allows you to hold the land without monthly repayments while pursuing planning approvals or market timing.
Risk Management
Understanding and mitigating risks including planning approval delays, market downturns, holding costs, and regulatory changes. Proper risk assessment is crucial for successful land banking strategies.
Portfolio Approach
Building a diversified portfolio of development sites across different locations, property types, and development timelines. This approach spreads risk and creates multiple opportunities for future development.
Land Banking Calculator
Calculate your potential land banking loan amount and repayments based on land value and development potential
These calculations are estimates only. Actual rates and repayments may vary based on your individual circumstances and land valuation.
Frequently Asked Questions
Get answers to common questions about land banking & site acquisition.
Apply for
Complete this form to start your land banking & site acquisition application. Our lending specialists will contact you within 24 hours.
Ready to Secure Your Next Development Site?
Speak with our land banking specialists today to discuss your site acquisition financing needs and build your development pipeline.